Key Responsibilities

Credit Strategy & Underwriting

• Develop and optimize credit policies, underwriting rules, approval thresholds, credit limits, and pricing for personal loans.

• Conduct deep dive analysis on application fraud, firstparty risk, and early delinquency signals.

• Review complex manual underwriting cases and set escalation frameworks.

Portfolio Monitoring & Risk Analytics

• Perform vintage analysis, roll rate analysis, and cohort forecasting to predict credit losses.

• Track core risk KPIs including but not limited to: approval rate, default rates, day past due, roll rates, and loss given default.

• Build automated dashboards and weekly/monthly risk MI for leadership and investors.

• Identify emerging risks, early warning indicators, and portfolio concentration; recommend mitigation actions.

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